Paayh Terms of Service

1. Eligibility and Account Management

1.1 Legal Capacity: You may use the Services only if you have the legal capacity to form a binding contract with Paayh and are not barred from receiving services under applicable law. You must be at least 18 years of age to register an account, launch campaigns, or earn attention rewards.

1.2 Account Security: Paayh utilizes federated authentication (including Google OAuth via Auth0). You agree to provide accurate registration information and are strictly prohibited from operating multiple accounts to inflate monetization metrics. You are solely responsible for maintaining the confidentiality of your credentials and session. Paayh bears zero liability for disbursements or actions executed through an authenticated session.

1.3 Non Transferability: Accounts, credentials, and accrued incentive balances are personal and non transferable without Paayh's express prior written consent.

1.4 Essential Location Processing, Travel Recalibration & Mandatory Service Condition: Geographic location processing (via device GPS or network IP geolocation) is an essential, non-negotiable core feature of the Paayh ecosystem. We require location data to accurately deliver physically relevant community content, serve local neighborhood and business needs, protect commercial advertisers from wasted or misattributed ad spend, and verify authentic audience focus. To achieve this, Paayh requests device location permissions during profile setup and periodically reverifies locality (once daily) during authenticated sessions. Your detected coordinates establish your country, state, and city, locking these geographic attributes as read-only to eliminate manual fabrication. When you relocate or travel to another city, state, or country, the platform automatically recalibrates your geographic profile, dynamically adapting your feed queue to deliver community updates, regional events, and merchant offers local to your physical presence. Listeners agree not to employ virtual private networks (VPNs), proxies, or GPS spoofing applications to misrepresent geographic location; doing so constitutes grounds for immediate account suspension and incentive forfeiture.

2. The Paayh Platform: Intermediary Content & Attention Exchange

Paayh operates as an intermediary digital technology and content delivery platform that connects commercial businesses and content creators with real users who voluntarily choose to provide their focused human attention.

• Neutral Intermediary Status: Paayh is not an advertising agency, publisher of record, or media production house. All creative assets, feed promotions, banners, links, and highlights submitted by users or businesses constitute User Generated Promotional Content and Sponsored Posts.
• No Endorsement: Paayh does not author, verify, endorse, or guarantee the claims, safety, or quality of any promoted goods, services, or links.
• Good Faith Attention & Consumer Sovereignty (Right Not to Patronize): Users contract and agree to view and evaluate promotional content with genuine goodwill and focused human attention in exchange for earning incentive credits. However, users maintain absolute, sovereign freedom of choice: you are under zero obligation, compulsion, or requirement to patronize, purchase from, subscribe to, or transact with any advertiser. Patronage is entirely voluntary; you may choose to patronize an advertiser if an offer resonates with you, or choose not to patronize for any reason whatsoever.
• Advertiser Non Recourse & Disclaimer of Platform Liability: Commercial advertisers and content publishers explicitly agree that users shall never be held liable, answerable, or subject to grievance for choosing not to purchase, convert, or engage beyond initial attention, nor for their personal level of interest in any creative. If a user voluntarily transacts with or purchases from an advertiser, that agreement and commercial relationship exists strictly and exclusively between the user and the advertiser. Users are strongly advised and urged to independently read and review the advertiser's separate terms of service, privacy policy, refund policy, and credentials before transacting, paying, or patronizing them. Paayh is not a party to any resulting transaction and shall have zero responsibility, warranty, or liability for product quality, fulfillment, refunds, merchant misrepresentations, or transaction outcomes.

3. Attention Monetization, Incentive Credits & Payout Terms

3.1 Voluntary Participation & Interaction Tracking: Monetization is completely optional and free of any subscription fees. To activate monetization, an account must demonstrate clear, consistent engagement or accumulate at least 300 verified interactions ("Seen" or "Mutual"). For clarity, a verified "Seen" interaction is registered whenever promotional content or an ad card is rendered within your active viewport or scrolled past in the feed during regular human browsing.

3.1.1 Non Monetized Content Exclusions: Users cannot earn cash incentives from viewing mutual content, official platform updates, platform jingles, special promotional offers, or business daily highlights. Mutual content represents reciprocal, unbudgeted free attention slots arranged between members. Official platform announcements, system updates, brand jingles, and business daily highlights carry zero advertiser impression budget, so no cash credits accrue from them.

3.2 Legal Nature of Earnings: Discretionary Promotional Incentive Credits: All earnings, wallet figures, and monetary amounts displayed on your dashboard represent conditional, unvested promotional incentive credits granted solely at Paayh's discretion, and NOT legal tender, fiat currency, personal property, bank deposits, escrow balances, wages, or debt obligations owed to you. Credits remain the conditional promotional property of the platform until a redemption payout is formally approved, processed, and disbursed by Paayh.

3.2.1 Unilateral Discretion to Withhold, Adjust, or Cancel Credits: To protect platform integrity and solvency against unforeseen technical failures or fraud, Paayh reserves the absolute, unilateral discretion to withhold, freeze, recalculate, adjust, or cancel unredeemed credits at any time without prior notice, liability, or obligation to pay compensation. This includes, without limitation: instances of bot or invalid traffic, unexplained accounting or ledger anomalies, catastrophic database failures, unexpected liquidity shortfalls, security incidents, or terms violations. Paayh is under no legal obligation to disclose internal forensics, proprietary fraud detection algorithms, or investigation details to users.

3.3 Revenue Share, Attention Worth Tier (ATW) Engine & Overflow Forfeiture:

• Eligible monetized users earn a dynamic variable revenue share ranging up to sixty percent (60%) of the net promotional revenue directly generated by confirmed, genuine human impressions. Revenue share percentages are dynamic and not fixed; they may adjust based on platform liquidity, advertiser campaign budgets, and network health. Paayh retains the remainder to cover digital hosting infrastructure, payment processor gateway fees, and administrative operations.
• Competitive Attention Bidding & Dynamic Audience Delivery: Advertisers and promoters may submit competitive bids for human attention to prioritize campaign queueing, outpace commercial rivals, and reach targeted audience demographics faster. Listeners receiving higher bidded promotional campaigns earn proportionately higher direct incentive rewards in their wallet for verified human focus. All bids are subject to industry floor rates and platform capacity.
• Prompt Redemption Mandate & Anti Hoarding Directive: Paayh is NOT a bank, electronic wallet, savings depository, or store of value. Users are strongly urged, instructed, and warned to always withdraw their incentives promptly as soon as the minimum settlement threshold (₦10,000) is reached and to maintain minimal balances at all times. Maintaining low balances is your primary personal safeguard against unforeseen technical anomalies, system resets, or security events.
• ATW Tier Ceiling & Voluntary Overflow Forfeiture: Paayh maintains a strict Attention Worth Tier (ATW) Engine (scaled from Level 1 "ATW1" to Level 3 "ATW3") with hard balance holding caps: ₦30,000 [approx. $20 USD] at ATW1, ₦60,000 [approx. $40 USD] at ATW2, and a maximum cap of ₦90,000 [approx. $60 USD] at ATW3. (Note: The ATW tier structure exists exclusively to enforce wallet balance holding caps and ensure users maintain low balances to protect platform solvency).If an account reaches its ATW holding cap and incentives are not withdrawn, any subsequent impressions, clicks, or engagement are voluntarily surrendered and permanently forfeited to platform liquidity. Forfeited overflow does not queue, accrue, or back credit. Balance accumulation resumes only after a withdrawal is executed to reduce the wallet below the ATW ceiling.
• User Assumption of Risk for Unredeemed Credits: Paayh explicitly operates to facilitate rapid, continuous redemptions. If unredeemed incentive credits are adjusted, reduced, or lost due to technical anomalies, ledger corruption, database recovery events, or discretionary platform actions for which Paayh elects not to provide forensic disclosures, users who neglected to execute prompt withdrawals assume full personal risk and agree that Paayh shall bear zero liability or obligation to reinstate such unredeemed credits, having been expressly notified and warned.

3.4 Withdrawal Mechanics & Security:

• Minimum Settlement Threshold & Currency Localization: Incentive credits may be redeemed for fiat payout once an account reaches the minimum threshold of Ten Thousand Nigerian Naira (₦10,000.00 NGN). All monetary thresholds, incentive balances, and withdrawal options automatically adjust and localize to your geographical jurisdiction and local currency equivalents based on prevailing international exchange rates.
• Flexible Balance Withdrawals: Users may withdraw any amount from ₦10,000 up to their full available balance (including withdrawing 100% of accumulated incentives down to ₦0.00). Requested amounts are deducted from the wallet balance, leaving any remainder preserved for future redemptions.
• Regulatory Third-Party Gateway Transfer Fees & Net Settlement: All payouts and withdrawals are disbursed via licensed, regulated payment infrastructure partners (including Paystack Payments Limited and Korapay Technologies Limited). Interbank electronic fund transfer charges imposed by payment processors under prevailing Central Bank of Nigeria (CBN) and NIBSS electronic transfer fee regulations (plus statutory 7.5% Value Added Tax) are deducted directly from the requested withdrawal amount at the point of disbursement. Current statutory transfer fee tiers are: ₦10.75 for withdrawals up to ₦5,000; ₦26.88 for withdrawals between ₦5,001 and ₦50,000; and ₦53.75 for withdrawals exceeding ₦50,000 (or equivalent processor contract tariffs in foreign jurisdictions). The gross amount is debited from your dashboard balance, and the exact net remainder is credited to your bank account with zero platform markup. Paayh retains zero portion of gateway transfer fees.
• Dual-Gateway Settlement Resilience: To guarantee high availability and protect against gateway downtime or network switch outages, Paayh operates automated multi-gateway failover routing across Paystack and Korapay. Disbursements may dynamically route through the most stable available rail without altering your net disbursement entitlement.
• Phone Verification & Account Security: To prevent fraud and ensure authorized disbursements, withdrawals require entering a phone number strictly matching the verified phone registered to your account profile. Paayh does not permanently store banking details on user profile records and does not restrict withdrawals to a single static bank account, granting users flexibility across verified accounts. You agree to keep all account login credentials and personal devices secure; Paayh shall not be held liable for payouts disbursed to banking details submitted through an authenticated account session.

4. Promotional Content, Regulatory Notice and Takedown & Strict Non Refundable Policy

4.1 Campaign Delivery & Highlights: Advertisers and creators may publish standard interactive feed posts (supporting text, media, and video) or short flash "Highlights" (which rotate every 10 minutes and expire automatically 24 hours following launch).

4.2 Regulatory Compliance (ARCON & Consumer Laws): Users publishing promotional content represent and warrant that their creatives comply with all applicable laws, including the Advertising Regulatory Council of Nigeria (ARCON) Act 2022, consumer protection regulations, and intellectual property statutes.

4.3 Notice and Takedown Protocol: Paayh operates as an intermediary content hosting service. If ARCON, an authorized government regulator, or a third party rights holder submits a valid infringement or regulatory complaint regarding any content, Paayh reserves the absolute right to immediately throttle, suspend, or permanently remove the creative without prior notice or liability.

4.4 Strict Non Refundable Policy (Infrastructure Compensation):

4.5 Prohibited Content Categories: You agree not to upload, promote, or link to deceptive schemes, counterfeit goods, adult/pornographic content, firearms/weapons, illegal substances, unapproved pharmaceuticals, unlicensed betting solicitations, malware, phishing links, or hate speech.

5. Intellectual Property & Platform License

5.1 Paayh IP: All rights, title, and interest in and to the Services, including source code, algorithms, visual designs, logos, the ATW Engine, and impression tracking architecture, are the exclusive property of Paayh and its licensors.

5.2 License Granted by You: By uploading or displaying creatives, text, media, or profile assets on the Services, you grant Paayh a worldwide, non exclusive, royalty free, transferable, sublicensable license to host, store, cache, format, distribute, and display such materials across our web and mobile infrastructure solely for the operation and promotion of the Services.

6. Proof of Human (PoH) Verification, Platform Integrity & Abuse Prevention

6.1 Condition of Commercial Earning & Proof of Human (PoH): Paayh's monetization model is funded by commercial advertisers who contract exclusively for genuine, focused human attention. Consequently, participation in attention rewards is strictly conditioned upon real-time authentication of authentic human presence. To safeguard the ecosystem against automated abuse, Paayh deploys proprietary Proof of Human ("PoH") validation protocols.

6.1.1 Ephemeral Interaction Telemetry & Privacy Compliance: During your use of the Services, ad views, and verification interactions (including gestures, swipes, or taps), the platform may process ephemeral interaction telemetry—such as natural touch and pointer kinematics, interaction cadence, session dwell time, and execution environment signals—to distinguish authentic human motor interaction from synthetic scripts, macros, or automated software. In strict compliance with the Nigeria Data Protection Act 2023 (NDPA) and applicable privacy laws, this security telemetry is processed in volatile memory solely for real-time fraud mitigation, anti-bot defense, and contract enforcement. Paayh does not collect, record, or retain persistent biometric identifiers (such as fingerprints, retinal scans, or facial geometry).

6.1.2 Proprietary Security Heuristics & Trade Secret Protection: You explicitly acknowledge and agree that Paayh's fraud detection methodologies, kinematic evaluation algorithms, interaction scoring matrices, and security heuristics constitute protected, proprietary trade secrets and confidential intellectual property of Paayh. To prevent adversarial circumvention, Paayh is under no legal, statutory, or regulatory obligation to disclose internal forensics, detection criteria, scoring thresholds, or security logs to users or third parties.

6.1.3 Unilateral Evaluation Discretion & Complete Disclaimer of Liability: Paayh reserves the sole, unilateral discretion to evaluate, validate, throttle, place into pacing cooldowns, or reject any interaction, ad view, or reward claim that triggers automated or synthetic risk indicators. Paayh disclaims all liability, and you irrevocably waive any right to claim damages, lost anticipated earnings, financial losses, or compensation of any kind arising from automated verification rejections, temporary pacing intervals, security holds, or account restrictions. Platform security determinations are final, binding, and non-justiciable.

6.1.4 Inherent Public Internet Realities & No 100% Guarantee: You expressly acknowledge and agree that nothing on the public internet can be 100% guaranteed. While Paayh deploys continuous multi-layered defenses, behavioral kinematics, and anti-abuse safeguards to drive invalid traffic and bot manipulation to the barest possible minimum, Paayh does not warrant, promise, or guarantee that any campaign, interaction, or impression will be 100% impervious to sophisticated adversarial attacks, synthetic anomalies, or third-party interference. All users and advertisers accept these inherent operational risks of internet-based platforms without recourse.

6.2 Actionable Prohibited Abusive Activities: Paayh maintains automated heuristics and manual oversight to safeguard platform integrity. The following actions constitute actionable civil fraud against Paayh:

• Automated Viewing & AI Agents: Utilizing bots, headless browsers, automated scripts, AI agents, auto clickers, macros, or virtual emulators to simulate attention, generate impressions, or solve verification challenges.
• Click Farming: Participating in coordinated engagement rings, incentivized mutual traffic groups, device farms, or sybil networks.
• Circumvention & Replay Attacks: Tampering with session tokens, request headers, application cryptography, API endpoints, or attempting direct API call replays to claim unearned credits.
• Cloning, Scraping & Reverse Engineering: Decompiling, reverse engineering, disassembling, scraping, cloning, mirroring, copying, or reproducing any portion of Paayh's user interface, source code, APIs, the ATW Engine, or proprietary systems.
• Service Disruption & Traffic Diversion: Intentionally diverting traffic, spoofing DNS or network headers, executing Denial of Service (DoS/DDoS) attacks, injecting unauthorized scripts or advertisements, or otherwise interfering with, overloading, or disrupting the normal operation and performance of Paayh services.

6.3 Sanctions & Forfeiture: Any violation of this Section results in immediate, permanent account termination, cancellation of active promotions, permanent exclusion from the platform, and complete forfeiture of all conditional, unredeemed promotional incentive credits without prior notice or right of appeal.

7. Account Deletion & Termination

You may deactivate or request deletion of your account at any time through your dashboard settings or the Help Center. If you authenticated using Google OAuth, you may also revoke token permissions via Google Security Settings. Upon deletion, your personal data will be purged in accordance with our Privacy Policy.

8. Disclaimers of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES, MONETIZATION TOOLS, WALLET INTERFACES, AND THE ATW ENGINE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND.

PAAYH EMPLOYS COMMERCIALLY REASONABLE EFFORTS TO DELIVER VERIFIED HUMAN ENGAGEMENT, WITH AN OPERATIONAL TARGET DELIVERABILITY OF UP TO 99.99% TO REAL ACTIVE USERS. HOWEVER, PAAYH EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER STATUTORY, EXPRESS, OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT. PAAYH DOES NOT WARRANT THAT PROMOTIONAL CAMPAIGNS WILL PRODUCE SPECIFIC SALES, CONVERSIONS, OR COMMERCIAL ROI, OR THAT THE PLATFORM WILL OPERATE UNINTERRUPTED OR ERROR FREE.

NOTHING ON THE INTERNET IS 100% GUARANTEED. WHILE PAAYH DEPLOYS ADVANCED PROOF OF HUMAN SAFEGUARDS TO DRIVE INVALID TRAFFIC TO THE BAREST MINIMUM, PAAYH EXPRESSLY DISCLAIMS ANY ABSOLUTE OR 100% WARRANTY AGAINST ADVERSARIAL INTERFERENCE, THIRD PARTY EXPLOITS, OR AUTOMATED NOISE. PROMOTIONAL CAMPAIGNS ARE TESTED AND RUN AT THE ADVERTISER'S OWN DISCRETION AND RISK.

9. Limitation of Liability & Liquidated Damages Cap ($50 USD / ₦75,000 NGN)

10. Indemnification

You agree to defend, indemnify, and hold harmless Paayh, its officers, directors, employees, and agents against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your use or misuse of the Services; (b) promotional content, links, or media uploaded by your account; (c) any violation of third party intellectual property or advertising laws (including the ARCON Act 2022); or (d) any regulatory fines levied against Paayh due to your content.

11. Dispute Resolution, Governing Law & Binding Arbitration

11.1 Informal Resolution: Before initiating formal proceedings, you and Paayh agree to attempt in good faith to resolve any dispute informally. Written notice detailing the dispute must be submitted to legal@paayh.com. Paayh will endeavor to resolve the issue within thirty (30) business days.

11.2 Governing Law: These Terms and all disputes shall be governed by, construed, and enforced under the substantive laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

11.3 Binding Individual Arbitration: If unresolved informally, disputes shall be settled exclusively by final and binding individual arbitration administered under the Arbitration and Mediation Act 2023 of Nigeria (AMA 2023). The seat of arbitration shall be Abuja (Federal Capital Territory), Nigeria, conducted in English by a single independent arbitrator mutually appointed, or, failing agreement, appointed by the Chairman of the Chartered Institute of Arbitrators (CIArb, Nigeria Branch).

11.4 Class Action Waiver: YOU AND PAAYH AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

11.5 Jurisdiction & Small Claims Exception: The courts of competent jurisdiction located in Abuja (Federal Capital Territory), Nigeria, shall have exclusive judicial jurisdiction over any permitted court actions, enforcement of arbitral awards, or claims. Notwithstanding Section 11.3, either party may file an individual action in a Small Claims Court of competent jurisdiction in Abuja (Federal Capital Territory), Nigeria, for claims falling within that court's monetary jurisdictional limits.

12. Anti Money Laundering (AML), Counter Terrorist Financing (CFT), Sanctions & KYC Compliance

12.1 Regulatory Framework: Paayh strictly complies with the Money Laundering (Prevention and Prohibition) Act 2022, the Terrorism (Prevention and Prohibition) Act 2022, the Special Control Unit against Money Laundering (SCUML), the Nigerian Financial Intelligence Unit (NFIU), and applicable Central Bank of Nigeria (CBN) regulations.

12.2 Strict Prohibition on Deposit to Withdraw & Refund Schemes:

12.3 Separation of Payouts & Transfer Restrictions:

• All withdrawable funds on Paayh must strictly originate from verified attention incentive rewards earned through active human engagement with content.
• Withdrawable earnings may be disbursed only to the user's verified Nigerian settlement bank account, or transferred internally to another registered user inside the platform via verified user email. Accrued balances can NEVER be transferred to external third party bank accounts or utilized for third party settlement.

12.4 Know Your Customer (KYC) Audits: Paayh and its settlement gateway partners reserve the right to require satisfactory identity verification prior to approving withdrawals. Paayh reserves the unconditioned right to freeze balances, halt payouts, and report suspicious financial activity to the NFIU and law enforcement agencies without prior notice or liability.

12.5 Global Economic Sanctions: You warrant that you are not listed on national or international sanctions lists (including OFAC, UN Security Council, EU, UK, or Nigerian Sanctions Lists).

13. General Provisions

13.1 Modifications: Paayh reserves the right to update these Terms at any time. Continued use of the Services following posted updates constitutes your binding acceptance.

13.2 Entire Agreement: These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire, exclusive agreement between you and Paayh regarding the Services.

13.3 Contact & Legal Notices: Formal legal notices must be submitted to legal@paayh.com or via our Help Center.